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U.S. Bancorp

USBFinancials

Generated Sep 5, 2026, 01:33 PM UTC

analytical score 10

USB (U.S. Bancorp) analytical snapshot. Revenue grew +4.4% YoY to $28.66B. Net margin at 26.42% (expanding ▲). Return on equity 11.61%, ROA 1.09%, ROIC 0.00%. Market cap $98.73B at $63.37 per share. Trailing P/E 13.72, P/S 3.45, P/B 1.46. Graham number $67.07 (trades below intrinsic). Risk: Elevated. Macro: Risk-on · Supportive. Composite analytical score 10 (data confidence 73%). Descriptive analytics from public filings — not investment advice.

Market cap

$98.73B

1.56B shares

Price

$63.37

NYQ

P/E (ttm)

13.72

Revenue (FY)

$28.66B

YoY +4.4%

Net margin

26.42%

▲ 2.45pp

Free cash flow

—

Risk level

Elevated

Free SEC analysis

— computed from SEC filings, free to read

Free previewRegulatory Analyst

Filings & Ownership

Regulatory Analyst

score 25Improving

80% conf

Latest quarterly report (10-Q) filed Aug 6, 2026. 2 recent 8-K material-event filings in the index. Recent insider Form 4s: 0 buy vs 0 sell transactions.

Latest quarterly report (10-Q) filed Aug 6, 2026.
2 recent 8-K material-event filings in the index.
Recent insider Form 4s: 0 buy vs 0 sell transactions.
~9290 recent 13F-HR filings reference U.S. Bancorp; broad institutional reporting.
Recent filers include US BANCORP \DE\ (USB, USB-PA, USB-PH, USB-PP, USB-PQ, USB-PR, USB-PS), US BANCORP \DE\ (USB, USB-PA, USB-PH, USB-PP, USB-PQ, USB-PR, USB-PS), INVESTORS TRUST CO /PA.
7 recent 13D activist/beneficial-ownership filings — potential catalyst.
13 recent 13G passive institutional ownership notices.

Latest 10-K

—

Latest 10-Q

Aug 6, 2026

8-K (recent)

Insider net

—

0B/0S

13F filers

9290

Activist 13D

Recent 13F institutional filers (SEC EDGAR full-text)

Filer	Form	Filed
US BANCORP \DE\ (USB, USB-PA, USB-PH, USB-PP, USB-PQ, USB-PR, USB-PS)	13F-HR	Jul 24, 2025
US BANCORP \DE\ (USB, USB-PA, USB-PH, USB-PP, USB-PQ, USB-PR, USB-PS)	13F-HR	May 8, 2025
INVESTORS TRUST CO /PA	13F-HR	May 10, 2001
US BANCORP \DE\ (USB, USB-PA, USB-PH, USB-PP, USB-PQ, USB-PR, USB-PS)	13F-HR	Feb 5, 2025
US BANCORP \DE\ (USB, USB-PA, USB-PH, USB-PP, USB-PQ, USB-PR, USB-PS)	13F-HR	Nov 12, 2025

Recent 8-K material events

Date	Form	Description
Jul 16, 2026	8-K	8-K
Jun 24, 2026	8-K	8-K

Sources:SEC EDGAR — Company Filings SEC EDGAR — Full-Text Search

Free previewSEC Filing Analyst

SEC Filing Deep-Analysis

SEC Filing Analyst

score -19Deteriorating

58% conf

1 risk signal(s), 1 watch item(s) detected from XBRL filing diff analysis. 1 risk signal(s) detected versus 0 positive signal(s). The balance of evidence suggests elevated filing-specific risk that warrants monitoring in subsequent filings.

Earnings-cash flow divergence: Net income grew +20.2% while operating cash flow declined -29.3%. This divergence may indicate accrual-based earnings inflation — non-cash gains, aggressive revenue recognition, or working capital absorption. The accrual ratio (NI − OCF) is deteriorating.
NEW: Impairment charge: Impairment charge appears in recent filings but not in the prior 24-month period. Monitor for materiality.
Endogenous analysis: 1 risk signal(s) detected versus 0 positive signal(s). The balance of evidence suggests elevated filing-specific risk that warrants monitoring in subsequent filings.
1 new XBRL disclosure(s) in latest filing — expanding reporting scope.
20 disclosure(s) dropped from prior year — reduced reporting granularity.
1 new risk-language term(s) detected in filing text: Impairment charge.

Revenue

$28.66B

+4.4% YoY

Net income

$7.57B

+20.2% YoY

Operating cash flow

$7.97B

-29.3% YoY

Total assets

$692.35B

+2.1% YoY

Total liabilities

$626.69B

+1.2% YoY

Long-term debt

$39.83B

+24.0% YoY

Cash & equivalents

$46.89B

-17.0% YoY

Stockholders equity

$65.19B

+11.3% YoY

Filing quality score

67/100

1 new disclosures

SEC XBRL metric changes (latest annual vs prior)

Metric	Prior year	Latest year	Change	% Change
Revenue	$27.45B	$28.66B	$1.20B	+4.4%
Net income	$6.30B	$7.57B	$1.27B	+20.2%
Operating cash flow	$11.27B	$7.97B	$-3.30B	-29.3%
Total assets	$678.32B	$692.35B	$14.03B	+2.1%
Total liabilities	$619.28B	$626.69B	$7.42B	+1.2%
Long-term debt	$32.13B	$39.83B	$7.70B	+24.0%
Cash & equivalents	$56.50B	$46.89B	$-9.61B	-17.0%
Stockholders equity	$58.58B	$65.19B	$6.62B	+11.3%
Interest expense	$3.22B	$12.61B	$9.39B	+292.0%

XBRL disclosure changes (new vs dropped concepts)

Type	Concepts
Added	UnusedCommitmentsToExtendCredit
Removed	AllocatedShareBasedCompensationExpense, AllocatedShareBasedCompensationExpenseNetOfTax, CommonStockCapitalSharesReservedForFutureIssuance, CommonStockSharesOutstanding, CurrentFederalTaxExpenseBenefit, CurrentForeignTaxExpenseBenefit, CurrentIncomeTaxExpenseBenefit, CurrentStateAndLocalTaxExpenseBenefit, DeferredFederalIncomeTaxExpenseBenefit, DeferredForeignIncomeTaxExpenseBenefit

Risk language in filing text (EDGAR full-text search)

Term	Severity	Recent	Prior	Status
Impairment charge	medium	5	0	NEW
Restructuring	medium	5	8	Ongoing
Off-balance sheet arrangements	medium	5	10	Ongoing
Related party transactions	low	5	2	Ongoing

Filing signal breakdown

Red flags: 1

Positive: 0

Watch: 1

Red flags

Positive

Watch

Sources:SEC EDGAR — Company Facts (XBRL)SEC EDGAR — Financial Reports

Free previewFundamentals Analyst

Fundamentals

Fundamentals Analyst

score 25Improving

60% conf

Revenue grew +4.4% YoY to $28.66B. Net margin at 26.42% (expanding ▲). Return on equity 11.61%, ROA 1.09%, ROIC 0.00%.

Revenue grew +4.4% YoY to $28.66B.
Net margin at 26.42% (expanding ▲).
Return on equity 11.61%, ROA 1.09%, ROIC 0.00%.
Gross margin 0.00%, operating margin 0.00%.
Net income up ▲ +20.2% YoY.
Debt/equity 0.64, current ratio —, net debt $34.82B.
Asset turnover 0.04 — capital efficiency.

Revenue (FY)

$28.66B

YoY +4.4%

Net margin

26.42%

▲ 2.45pp

ROE

11.61%

ROA 1.09%

ROIC

0.00%

EPS (diluted)

$4.62

FY2025

Free cash flow

—

Debt / equity

0.64

Cash $8.25B

Current ratio

—

Equity $67.43B

Annual fundamentals — up to 10 years (SEC 10-K, US-GAAP)

FY	Revenue	Rev YoY	Gross%	Op%	Net%	FCF	ROE%
2024	$27.45B	-2.4%	0.00	0.00	22.94	—	10.75
2025	$28.66B	+4.4%	0.00	0.00	26.42	—	11.61

Quarterly revenue trend (last 6 quarters, SEC 10-Q)

Quarter end	Revenue	YoY	QoQ	Net margin
Sep 30, 2024	$6.86B	-2.4%	—	24.97%
Mar 31, 2025	$6.96B	+3.6%	+1.4%	24.56%
Jun 30, 2025	$7.00B	+2.0%	+0.7%	25.91%
Sep 30, 2025	$7.33B	+6.8%	+4.6%	27.30%
Mar 31, 2026	$7.29B	+4.7%	-0.6%	26.69%
Jun 30, 2026	$7.71B	+10.1%	+5.8%	28.23%

Sources:SEC EDGAR — Company Facts (XBRL)

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Pro analysis — preview

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Valuation

Valuation Analyst

score 0Stable

83% conf

Market cap $98.73B at $63.37 per share. Trailing P/E 13.72, P/S 3.45, P/B 1.46. Graham number $67.07 (trades below intrinsic).

Market cap $98.73B at $63.37 per share.

Market cap

$98.73B

1.56B shares

P/E (ttm)

13.72

P/S

3.45

P/B

1.46

$133.56B

Intrinsic (DCF)

—

ProFull breakdown & reasoning locked

Price & Technicals

Technical Analyst

score 45Improving

85% conf

Price $63.37 — uptrend (above 200-DMA); 1-month momentum negative. RSI(14) 41.01.

Price $63.37 — uptrend (above 200-DMA); 1-month momentum negative.

Price

$63.37

NYQ

RSI(14)

41.01

50-DMA

$63.05

200-DMA

$56.72

Volatility (ann.)

22.24%

52w range

$45.02–$66.08

-4.1% from high

ProFull breakdown & reasoning locked

Macro & Rates

Macro Analyst

score 30Improving

80% conf

Risk-on · Supportive. Real GDP growth 1.50% (quarterly, as of Apr 1, 2026). CPI inflation +3.3% YoY. Fed funds rate 3.63%, 10Y Treasury 4.77%.

Market regime: Risk-on · Supportive.

GDP growth

1.50%

CPI (YoY)

+3.3%

Fed funds

3.63%

10Y yield

4.77%

10Y−2Y

0.41pp

Unemployment

4.10%

ProFull breakdown & reasoning locked

Risk Scorecard

Risk Analyst

score -18Deteriorating

83% conf

Composite risk Elevated. Leverage debt/equity 0.64 (moderate). Earnings stability: net-margin stdev 4.63pp over 11y.

Composite risk: Elevated.

Risk level

Elevated

Debt / equity

0.64

Current ratio

—

Margin stdev

4.63pp

Cash / assets

1.14%

Liab / assets

90.65%

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Macro exposure

Rate-sensitive · High sensitivity

Neutral

Macro regime: Risk-on · Supportive. U.S. Bancorp is a rate-sensitive name (high macro sensitivity) — a supportive backdrop, though defensives lag risk-on tapes.

Macro regime

Risk-on · Supportive

Yield curve

Normal

VIX

14.32

Fed funds

3.63%

CPI YoY

+3.3%

Analytical read

deterministic preview

Revenue grew **+4.4%** YoY to $28.66B..

Risk

Elevated

Macro regime

Risk-on · Supportive

Macro exposure

Neutral

Descriptive analytics from public filings and macro data — not investment advice.

Open analytical workspace

Peer comparison

Rate-sensitive group

How USB stacks up against tracked peers with similar macro sensitivity — by analytical score and macro exposure.

Company	Score	Macro
CME Group Inc. CME	32	Neutral
Allstate Corp. ALL	28	Neutral
Mastercard Inc. MA	27	Neutral
Visa Inc. V	24	Neutral
Charles Schwab Corp. SCHW	19	Neutral
Capital One Financial COF	19	Neutral
Digital Realty Trust DLR	11	Neutral
U.S. Bancorp USB● you	10	Neutral
Simon Property Group SPG	10	Neutral
Chubb Ltd. CB	8	Neutral
Dominion Energy D	8	Neutral
Travelers Cos. TRV	7	Neutral
MetLife Inc. MET	7	Neutral
American Express Co. AXP	5	Neutral
Moody's Corp. MCO	5	Neutral
Welltower Inc. WELL	5	Neutral
JPMorgan Chase & Co. JPM	4	Neutral
Wells Fargo & Co. WFC	1	Neutral
PNC Financial Services PNC	1	Neutral
Truist Financial TFC	1	Neutral
Bank of America Corp. BAC	0	Neutral
Bank of New York Mellon BK	0	Neutral
Marsh & McLennan MMC	0	Neutral
Equity Residential EQR	0	Neutral
Citigroup Inc. C	-2	Neutral
BlackRock Inc. BLK	-2	Neutral
Prologis Inc. PLD	-2	Neutral
Goldman Sachs Group GS	-4	Neutral
American Tower Corp. AMT	-4	Neutral
S&P Global SPGI	-5	Neutral
American Water Works AWK	-8	Neutral
Public Storage PSA	-9	Neutral
American Electric Power AEP	-9	Neutral
Equinix Inc. EQIX	-10	Neutral
Morgan Stanley MS	-11	Neutral
Realty Income Corp. O	-12	Neutral
NextEra Energy NEE	-13	Neutral
Duke Energy Corp. DUK	-14	Neutral
Xcel Energy XEL	-17	Neutral
Exelon Corp. EXC	-17	Neutral
Southern Company SO	-17	Neutral
Crown Castle Inc. CCI	-21	Neutral
American International Group AIG	-23	Neutral